UCO Bank

NSE: UCOBANK  SECTOR: Bank - Public

12.38
+0.16 (1.31%)

Price Summary

Today's High

₹ 12.56

Today's Low

₹ 12.22

52 Week High

₹ 18.1

52 Week Low

₹ 8.4

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

12278.905690036 Cr.

CASA %

39.4128883111755

No. of Shares

991.8340622 Cr.

P/E

0

P/B

0.72

Face Value

₹ 10

Div. Yield

0%

Book Value (TTM)

₹  17.1074

Net Interest Income

5092.2731 Cr.

Cost To Income %

39.2778672646895

Promoter Holding

94.44%

EPS (TTM)

₹  -0.8992

CAR %

11.7%

ROE

-17.2178360860035 %

ROCE

-9.82911722935826 %

Profit Growth

-16.1013297896732 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year-17.22%
3 Year-38.62%
5 Year-32.47%

ROA%

1 Year-1.04%
3 Year-1.65%
5 Year-1.38%

Net NPA%

1 Year5.45%
3 Year9.42%
5 Year9.26%

 NIM

1 Year2.43%
3 Year2.05%
5 Year2.01%

CAR %

11.7

Cost of Liabilities %

4.80714788799332

PEG Ratio

NA

Advances Growth %

1.87326414618036

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 94.44 0
Dec 2019 93.61 0
Sep 2019 92.52 0
Jun 2019 92.52 0
Mar 2019 93.29 0
* Figures given above are % of equity capital

 Strengths

 Looks like the company does not have any notable strengths.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -1.65450900729853%
  • Company has a low ROE of -38.6220732785524% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 9.42333333333333%.
  • The company has delivered poor Profit Growth of -11.9226718761416% over the past 3 years.
  • The company has delivered poor Income growth of -2.49436333729104% over the past 3 years.
  • Poor Advances growth of -5.45707207345032% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Interest Earned 3804.64 3770.74 3742.42 3662.64 3614.61
Other Income 728.87 743.47 768.78 773.93 711.52
Interest Expended 2538.44 2534.15 2487.91 2395.86 2221.45
Operating Expenses 788.03 769.55 806.7 817.34 774.37
Total Provisions 2099.02 2170.69 1199.82 1180.37 1300.2
Profit Before Tax -891.98 -960.17 16.78 43 30.12
Tax 0 0 0 21.54 0
Net Profit -891.98 -960.17 16.78 21.46 30.12
Net NPA % 7.32 6.34 5.45 4.95 3.63
Gross NPA % 21.87 19.45 16.77 14.38 11.62
Return on Assets % -1.41 -1.52 0.03 0.03 0.05
NPM % -23.44 -25.46 0.45 0.59 0.83

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 18560.97 16325.8 14020.13 14330.63 15134.33
Other Income 1596.31 2114.49 1121 1513.51 2871.21
Interest Expended 13712.95 12509.02 10895.4 10019.48 10042.06
Operating Expenses 2840.94 3005.19 2911.49 3064.42 3127.89
Total Provisions 8063.49 5616.31 8224.83 9825.09 8548.14
Profit Before Tax -4460.11 -2690.23 -6890.59 -7064.84 -3712.54
Taxes -1660.85 -839.56 -2454.22 -2743.76 -1275.71
Net Profit -2799.26 -1850.67 -4436.37 -4321.08 -2436.83
Adjusted EPS (Rs.) -26.03 -11.87 -19.22 -7.97 -2.46

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 1075.59 1559.73 2308.16 5423.4 9918.34
Total Reserves 10511.36 10043.74 7517.02 8370.97 9291.28
Deposits 207118.24 201284.51 181849.28 197906.78 193203.44
Borrowings 17240.44 9534.96 12449.26 8323.68 15695.06
Other Liabilities 8001.9 7766.76 6800.45 6862.57 7800.02
Total Liabilities 244882.53 231339.71 216056.18 230484.08 235908.15
Assets
Balance with RBI 7949.96 8790.25 8125.08 8823.01 6776.73
Balance with Banks 10609.28 9309.63 6622.96 15609.09 11029.43
Investments 83974.2 74019.12 70962.15 82231.69 90998.81
Advances 125905.37 119724.45 107470.02 99313.84 101174.25
Net Block 2878.25 2843.39 2866.87 2814.3 2832.4
Other Assets 13559.09 16646.77 20000.87 21684.13 23088.55
Total Assets 244882.53 231339.71 216056.18 230484.08 235908.15
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

UCO Bank Stock Price Analysis and Quick Research Report. Is UCO Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how UCO Bank is performing and if it is the right time to buy the stock of UCO Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. UCO Bank has earned Rs 15134.3332 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -2.49436333729104 % in last 3 Years.

  • In terms of advances, the bank reported 1.87326414618036 % YOY,  rise . If you see 3 years advance growth, it stands at -5.45707207345032 %.

  • Currently the company has a CASA ratio of 39.4128883111755 %. It’s overall cost of liability stands at 4.80714788799332 %. Also, the total deposits from these accounts stood at Rs 193203.4435 Cr.

  • The Bank has a Poor ROA track record. The ROA of UCO Bank is at -1.04496976382421 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 16.77 % and 5.45 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -12.9968263894254 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of UCO Bank decreased and is currently at Rs 28.71213 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 11.7 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently UCO Bank is trading at a P/B of 0.723663443889779 . The historical average PB was 0.628748399720799.

Brief about UCO Bank

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